to go. These policies may be referred to as ôPermanent Lifeö policies, and can be set up so that they are payable on demise, or at a certain age. Long term life insurance really blurs the line between whole life and term life insurance, with policies often borrowing from both structures to offer the customer even more flexibility. If you do not wish to have an accruing cash value, then you don't have to. You can also stipulate whether you want the beneficiary to receive a lump sum payment, or monthly payments to boost income. Unlike shorter term policies, long term life insurance does tend to be initially more expensive, though over the length of the term it may prove more cost effective than short term life insurance policies. Talking to your preferred insurance provider will give you a good idea of the options that are available out there. Then you can shop around and compare policies online, which will give you an even better idea of your options. The market is booming, so if you are looking for more flexibility in your life insurance, now is the time to look. Title: Long-Term Care - The Ignored Need Word Count: 464 Summary: Long term care. People fear it. They know they will probably need it. But only a few are are doing anything about it. Future needs for long term care can, and should, be addressed now. There is help available. Keywords: long term care, long term care insurance, nursing home insurance, senior care, eldercare Article Body: Most Americans fear they'll need long-term care at some point after retirement, but only a small percentage are are doing anything about it, according to a survey conducted for the John Hancock Life Insurance Co.* It states that 85 percent of respondents worry about needing long-term care at some time in their future, an increase from 80 percent a decade ago. Long term care addresses a wide range of long term care and supportive services for people who may have cognitive impairment or who are unable to accomplish certain activities of daily living over an extended period of time. These can include activities such as bathing, continence, dressing, eating, toileting, and transferring. Long term care services can be provided in a variety of settings, including your home, assisted care facilities or nursing homes; and it can be very expensive. Many Americans incorrectly believe Medicare and/or Medicaid will help fund their long-term care expenses. This is simply not true. Some feel they will be able to "trick" the system,
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piece is an abstract triptych that I found while I was in Atlanta buying religious paintings The piece was called Guardian Angel and I love it My patrons fell in love with it as well They have asked me to track down the artist and see if he has anymore religious paintings available The only religious paintings that I actually do not buy are ones that reflect the image of Jesus on the cross I don’t have a problem with them some of them are extremely well done and would more than likely sell well but my investors made it very clear when they financed the gallery that I would not put that image into it PPPPP 683 Ajello Candles The motto of the Ajello Candle Company is “It’s better to light a candle than to curse the darkness” This candle making company has been in business since 1775 The business has been family owned for seven generations The candles from Ajello’s are well known for their beauty and quality While they make more candles now than in 1775 their dedication to quality and to customers has never changed The Ajello Candle Company was founded by Rafael Ajello an Italian painter He was also a beekeeper so he tried his hand at using bees wax to create candles He worked hard to create a formula that worked well The formula combined with his outstanding artistic ability lead to the birth of the Ajello Candle Company In 1785 the company earned the honor of creating all the candles for the Vatican He and his wife ran the business keeping their children involved in the processes from an early age As time went on their children and grandchildren kept the business running as well as passed the family business on to their children By 1862 the company had established itself as a leader among the candle making industry They had also added perfumes and many .

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